Oh, you can read all the rules and premiums online, yaar — but the paperwork feels different when you're alone and tired, wondering how you'd manage. It covers care levels based on need, from help bathing to full nursing, but the premium is another slice of your salary you didn't plan for. I know because I moved here for a better wage to send home, and now the thought of adding another mandatory deduction for a future I can't see... it just feels like one more bill in a stack that never gets smaller. My mother's medicines back in Himachal taught me too late: you plan for care *before* the quiet hours catch up with you.
#life#career
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